IRA CDs CDs & IRAs OverviewCDsIRAsNot sure where to start? This unique option gives you the ability to add funds to your account over time—growing your initial balance—so that you can save even more for retirement. Top Features A unique account with features of a CD and an IRA Add to your balance at any time1 Certificate of Deposit Rates Effective as of 02/18/2026 TermProgramAnnual Percentage Yield (APY)2Minimum Daily Balance to Earn APY25 MonthFixed Rate CD Special3.80%$2,000.006 MonthFixed Rate CD0.10%$2,000.009 MonthFixed Rate CD Special3.80%$2,000.0012 MonthFixed Rate CD0.15%$2,000.0018 MonthFixed Rate CD3.50%$2,000.0024 MonthFixed Rate CD3.25%$2,000.0036 MonthFixed Rate CD3.25%$2,000.0048 MonthFixed Rate CD3.25%$2,000.0060 MonthFixed Rate CD3.25%$2,000.0018 MonthIRA CD (Variable Rate. Annual Percentage Yield subject to change after the account has been opened. Minimum balance to open is $200.00.)3.50%$10.00 1Minimum additional deposit of $100.00. 2Annual Percentage Yield (APY) is subject to change. Interest is compounded daily and credited monthly. Minimum deposit to open is $2,000.00. A penalty will be assessed on funds withdrawn prior to maturity on all CDs. This is a limited time offer and may be withdrawn at any time. Rest Assured,Your Deposits are Safe! When it comes to your hard-earned money, you deserve a bank that will guarantee its safety. All deposits at Bluestone Bank are 100% insured. This is made possible through the Federal Deposit Insurance Corporation (FDIC), which insures up to $250,000.00 per depositor with the excess over $250,000.00 insured by the Depositors Insurance Fund (DIF). No depositor has ever lost money in a bank insured by both the FDIC and DIF. Your Personal Bankers Our Personal Bankers play a crucial role in helping you understand your current financial position and future goals. We’re here to guide you towards a more confident relationship with your finances. Learn More Helpful Calculators Which is better for me, a Traditional IRA or a Roth IRA? CALCULATE How much will my Traditional IRA be worth at retirement? CALCULATE
